Stripe Apple Pay Fees

Apple Pay on Stripe — same fee as the underlying card. The benefit is conversion (one-tap mobile checkout), not lower processing cost.

At a glance

Stripe rate
Same as underlying card (2.9% + 30¢ US)
Apple’s cut
$0 to merchant — Apple’s revenue is from card networks
Conversion lift
+25–40% on mobile checkout
Eligibility
Domain verification required

Apple Pay on Stripe is processed at the same rate as the underlying card — typically 2.9% + 30¢ for US-issued cards. Stripe doesn’t add an Apple Pay surcharge, and Apple doesn’t charge merchants directly. The reason to support Apple Pay isn’t lower fees; it’s 25–40% better mobile checkout conversion.

Frequently asked questions

Does Apple charge merchants for Apple Pay?
No — Apple Pay is free for merchants. Apple makes its money from a small fee charged to the card networks (Visa/Mastercard/etc.), not the merchant. From a Stripe perspective, an Apple Pay transaction is just a card transaction with a tokenized card number.
Why does Apple Pay convert better than card-on-file?
Touch ID / Face ID auto-fill, no manual card-number entry on mobile, and built-in 3DS bypass via biometrics. On mobile, Apple Pay typically converts 25–40% better than typed card details. On desktop, the lift is smaller (~10%) since desktop card entry is less painful.

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